.tool-title{
  margin:0;
  font-family:"Cormorant Garamond",serif;
  font-size:clamp(2.8rem, 4vw, 4.4rem);
  line-height:1;
  color:#091938;
}
.tool-subtitle{
  margin:14px 0 0;
  max-width:820px;
  color:#5d6b82;
  font-size:1.08rem;
  line-height:1.7;
}
.tool-layout{display:grid;grid-template-columns:minmax(340px,560px) minmax(340px,1fr);gap:28px;align-items:start;}
.tool-stack{display:flex;flex-direction:column;gap:28px;}
.tool-card{background:#fff;border:1px solid #dce2ea;border-radius:18px;padding:28px;box-shadow:0 3px 12px rgba(10,25,56,.04);}
.tool-card h2{margin:0 0 22px;font-family:"Cormorant Garamond",serif;font-size:2rem;color:#1b2940;}
.tool-form .form-grid{display:grid;gap:18px;}
.form-grid-2{grid-template-columns:repeat(2,1fr);} .form-grid-3{grid-template-columns:repeat(3,1fr);} .form-grid-4{grid-template-columns:repeat(4,1fr);} .full-span-2{grid-column:span 2;}
.form-group{display:flex;flex-direction:column;gap:8px;}
.form-group label{font-weight:600;color:#34435b;}
.form-group input,.form-group select{min-height:50px;border:1px solid #d9e0e8;border-radius:12px;padding:0 14px;font:inherit;color:#1f2e46;background:#fff;}
.form-group input:focus,.form-group select:focus{outline:none;border-color:#c6a15b;box-shadow:0 0 0 3px rgba(198,161,91,.15);} 
.tool-actions{margin-top:22px;display:flex;gap:12px;flex-wrap:wrap;}
.results-summary{display:grid;gap:16px;margin-bottom:24px;}
.summary-grid-2{grid-template-columns:repeat(2,1fr);} .summary-grid-3{grid-template-columns:repeat(3,1fr);} 
.summary-box,.mini-card{border:1px solid #e3e8ef;border-radius:14px;padding:18px;background:#f9fbfd;}
.summary-box-featured{background:#091938;border-color:#091938;}
.summary-box span,.mini-card span{display:block;color:#637089;font-size:.92rem;margin-bottom:10px;}
.summary-box strong,.mini-card strong{display:block;color:#091938;font-size:1.45rem;line-height:1.25;}
.summary-box-featured span,.summary-box-featured strong{color:#fff;}
.breakdown-table,.debt-table,.schedule-table{width:100%;border-collapse:collapse;}
.breakdown-table th,.breakdown-table td,.debt-table th,.debt-table td,.schedule-table th,.schedule-table td{text-align:left;padding:14px 0;border-bottom:1px solid #e8edf3;vertical-align:top;}
.breakdown-table td,.debt-table td,.schedule-table td{text-align:right;font-weight:600;color:#091938;}
.breakdown-table thead th,.debt-table thead th,.schedule-table thead th{font-size:.95rem;color:#5d6b82;}
.breakdown-table .total-row th,.breakdown-table .total-row td{color:#091938;font-size:1.05rem;}
.form-errors{margin:0 0 18px;padding:14px 16px;border:1px solid #efc2c2;background:#fff7f7;border-radius:12px;color:#8a2f2f;} .form-errors ul{margin:0;padding-left:18px;}
.form-section{border:1px solid #aeb2b6;border-radius:16px;background:#fbfcfe;margin-bottom:18px;overflow:hidden;}
.form-section-toggle{width:100%;border:none;background:#fff;padding:20px 22px;display:flex;align-items:center;justify-content:space-between;cursor:pointer;font:inherit;font-weight:700;font-size:1.08rem;color:#1b2940;}
.form-section-body{display:none;padding:10px 22px 22px;border-top:1px solid #e6ebf2;}
.form-section.is-open .form-section-body{display:block;} .section-caret{transition:transform .2s ease;color:#7f8898;} .form-section.is-open .section-caret{transform:rotate(180deg);} 
.assumption-list,.feature-list{margin:0;padding-left:20px;color:#42536f;display:grid;gap:10px;} 
.live-stats-grid{margin-top:18px;} .is-hidden{display:none;} .table-wrap{overflow:auto;} 
.debt-row{display:grid;gap:14px;align-items:end;padding:16px;border:1px solid #e3e8ef;border-radius:14px;background:#fff;margin-bottom:14px;}
.debt-row .form-group{min-width:110px;} .remove-row-btn,.secondary-btn,.primary-btn{min-height:48px;border-radius:12px;padding:0 18px;font:inherit;font-weight:700;cursor:pointer;border:1px solid #d7dee7;background:#fff;color:#22324a;}
.primary-btn{background:#091938;border-color:#091938;color:#fff;} .secondary-btn{background:#f9fbfd;} .remove-row-btn{min-width:48px;padding:0 12px;}
.comparison-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:22px;} 
.method-card{border:1px solid #e3e8ef;border-radius:16px;padding:20px;background:#fbfcfe;} .method-card h3{margin:0 0 10px;color:#1b2940;font-size:1.3rem;} .method-card p{margin:0 0 12px;color:#5d6b82;line-height:1.7;}
.explainer-box{border:1px solid #ead7af;background:#fffaf1;border-radius:14px;padding:18px;color:#5b4b25;line-height:1.7;} 
.badge-inline{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;border-radius:999px;background:#eef3fb;color:#22324a;font-weight:700;font-size:.92rem;} 
@media (max-width:1080px){.tool-layout{grid-template-columns:1fr;}}
@media (max-width:900px){.debt-row{grid-template-columns:1fr 1fr;}.debt-row .debt-remove-wrap{grid-column:span 2;}.comparison-grid,.summary-grid-2,.summary-grid-3,.form-grid-2,.form-grid-3,.form-grid-4{grid-template-columns:1fr;} .full-span-2{grid-column:auto;}}

.wrap-heading {
  white-space: normal;
  word-break: break-word;
  line-height: 1.2;
  text-align: center !important;
}

.checkbox-group {
  margin-top: 0.75rem;
}

.checkbox-label {
  display: flex;
  align-items: flex-start;
  gap: 0.65rem;
  font-weight: 500;
  line-height: 1.4;
}

.checkbox-label input[type="checkbox"] {
  margin-top: 0.2rem;
}

.calculator-disclaimer{
  margin-top:18px;
  padding:14px 16px;
  border-left:4px solid var(--gold);
  background:#fff8eb;
  color:#5d6a80;
  line-height:1.6;
  border-radius:8px;
}

.assumption-callout,
.results-note{
  margin-top:20px;
}

.seo-content {
  padding: 3rem 0;
}

.seo-article {
  max-width: 850px;
  margin: 0 auto;
  line-height: 1.75;
  font-size: 1rem;
}

.seo-article h2 {
  margin-top: 2.5rem;
  margin-bottom: 1rem;
}

.seo-article p,
.seo-article ul {
  margin-bottom: 1rem;
}

.seo-article ul {
  padding-left: 1.25rem;
}

.section-light {
  margin: 0;
  padding: 40px 0;
}

.section-heading {
  text-align: center;
  margin-bottom: 0;
}

.tool-subtitle {
  text-align: center;
  max-width: 100%;
}

.section-light-alt {
  padding: 0 0 100px;
}

select {
  height: 50px;
}